Hi all it's been a while. I have been away and have been ill!  My son's insurance is due for renewal in a couple of weeks. He trades from home part time. His new quote from bollington is £1900. After phoning them he got it to £1600 and the rep was pushy for him to buy it.  The quote includes  1450 insurance plus a 12% insurance premium tax but won't this be included in the actual premium? Then there's the £150 admin fee... Yes! And £70 for MID management and legal cover.